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Mini Fleet Insurance

1. A flexible cover for any driver to drive your vehicles
   Vehicles insured on individual policies can normally be driven by a select number of drivers. On a fleet policy, provided that the driver meets the criteria required by the insurer, any driver may drive your vehicle. These criteria are normally:
   1. Age – most insurers prefer drivers to be over the age of 25, but cover is available for any licensed drivers if required.
   2. Licence – a full UK driving licence is required and it must be applicable to the vehicle being driven. For instance, you must have an HGV1 licence to drive a 32-ton truck. Most insurers will allow any licensed driver to drive under the cover of their policies. Some insurers, however, will offer a discount if you are prepared to limit the scope of the drivers to those with more experience – often requiring drivers to have held a full UK licence for more than two years.
   3. Claims record. A poor record can mean stricter terms are applied – higher excess for instance. In extreme cases insurers may ask for an increase in the premium for that driver.
2. Flexible cover for vehicles on your schedule
   Cover – this can vary between vehicles. For instance you can chose between comprehensive, third party fire and theft, or third party only and vary these covers for specific vehicles. You can also opt to increase or decrease the excess depending on how much you are prepared to pay. Generally, the higher the excess, the lower the premium.
   You may also benefit from cheaper legal expenses insurance if all vehicles are insured under one fleet policy.
   Windscreen cover can be included at a much lower price under a fleet policy.
3. Claims handling
   
   1. It is important to deal with the claim in a timely manner. Delays can cost money to both your business, and could result in the third party claims cost increasing. For instance, if you are at fault and the third party hires a replacement vehicle, then any delay will mean higher charges.
   2. It is also important to ensure that repairs are carried out to the standard required and are cost effective.
   3. Above all, you need to know how the claim is progressing and when you can expect your vehicle to be back on the road.
4. Pricing to reflect the claims performance of your fleet
   A fleet policy is priced according to the types of vehicles on your schedule, and their values, the prevailing market conditions and the claims performance over the last three years. The better the claims performance, the lower the premium.
5. Risk Management
   If all of your vehicles are insured under the one policy, then the overall risk can be managed. If they are not, then each insurer will take a different approach to the pricing and cover of their policy and this may cost more money. Above all, a fleet policy ensures that the correct cover is given to each vehicle. Legislation will punish companies who do not ensure that their employees’ cars are properly insured, well maintained and drivers are fully trained for the tasks required. One fleet policy makes this possible and, above all, manageable.

Demands and needs

It is most important to establish the insurance demands and needs of your business before any advice can be given to you. Each company will operate in its own way and will have different demands and needs. This applies to any insurance policy offered to you and your company. We will insist on a full demands and needs statement before confirming cover to you.

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